Franklin County, MS Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 200 mortgage applications in Franklin County, MS totaling $16.4 million, up 12% from 2011. The average application was for $81,000, and applicants reported an average income of $56,000. 34% of applications resulted in an originated loan and 38% were denied. The most active lender was 21st Mortgage, with 40 applications, followed by Vanderbilt Mortgage and Finance, Inc and Regions Bank.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 200 |
| Total Mortgage Loan Application Amount | $16,398,000 |
| Average Mortgage Loan Application Amount | $81,000 |
| Highest Mortgage Loan Application Amount | $285,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $222,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 40 | $ 1,876,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 36 | $ 1,895,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,368,203,000 | 14 | $ 1,020,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 14 | $ 2,095,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 10 | $ 1,550,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 9 | $ 694,000 |
| First Federal Bank 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,140,407,000 | 6 | $ 221,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,612,081,000 | 5 | $ 408,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 5 | $ 240,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 4,196,437,000 | 5 | $ 605,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 553,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 628,766,000 | 4 | $ 182,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 3 | $ 396,000 |
| Grand Bank for Savings, FSB 204 WESTOVER DRIVE HATTIESBURG, MS 39404 |
* | $ 126,196,000 | 3 | $ 326,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 3 | $ 460,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 2 | $ 245,000 |
| Whitney Bank 228 ST CHARLES AVE, SUITE 537 NEW ORLEANS, LA 70130 |
* | $ 14,882,261,000 | 2 | $ 135,000 |
| Britton & Koontz Bank, N.A. 500 MAIN STREET NATCHEZ, MS 39120 |
* | $ 365,845,000 | 2 | $ 234,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,488,863,000 | 2 | $ 13,000 |
| State Bank & Trust Company 147 SOUTH RAILROAD AVENUE BROOKHAVEN, MS 39601 |
* | $ 921,053,000 | 2 | $ 62,000 |
| South Lafourche Bank PO BOX 489 LAROSE, LA 70373 |
* | $ 157,469,000 | 2 | $ 451,000 |
| Magnolia State Bank P O BOX 41 LAUREL, MS 39440 |
* | $ 264,492,000 | 2 | $ 485,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 265,000 |
| Citizens Bank 814 MAIN STREET COLUMBIA, MS 39429 |
* | $ 357,201,000 | 1 | $ 11,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,898,665,000 | 1 | $ 38,000 |
| America's Mortgage Resource 3317 N. I-10 SERVICE RD. SUITE 200 METAIRIE, LA 70002 |
* | $ 10,000,000 | 1 | $ 152,000 |
| Eustis Mortgage Corporation 1100 POYDRAS STREET, SUITE 2525 NEW ORLEANS, LA 70163 |
* | $ 10,000,000 | 1 | $ 139,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 53,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 95,000 |
| The Bank 1304 N CUTTING AVENUE JENNINGS, LA 70546 |
* | $ 155,698,000 | 1 | $ 41,000 |
| Rivertrust Federal Credit Union P O BOX 97997 PEARL, MS 39288 |
* | $ 155,767,000 | 1 | $ 124,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 1 | $ 44,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 195,395,000 | 1 | $ 8,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 104,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 120,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 113,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 95,000 |
| Dsld Mortgage LLC BATON ROUGE, LA 70809 |
* | $ 222,000 | 1 | $ 120,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 28,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 1 | $ 108,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 160,000 |
The tables below break down 2012 mortgage applications in Franklin County, MS by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Franklin County, MS in 2012
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 130 | $9,294,000 | $71,000 | $252,000 | $50,000 | $222,000 |
| Refinancing | 57 | $6,762,000 | $118,000 | $285,000 | $67,000 | $200,000 |
| Home Improvement | 13 | $342,000 | $26,000 | $152,000 | $60,000 | $156,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 125 | $11,827,000 | $94,000 | $285,000 | $69,000 | $222,000 |
| Black or African American | 55 | $2,566,000 | $46,000 | $194,000 | $35,000 | $120,000 |
| Not Provided | 10 | $563,000 | $56,000 | $107,000 | $40,000 | $74,000 |
| Not applicable | 8 | $1,246,000 | $155,000 | $230,000 | $0 | $0 |
| Hispanic | 1 | $28,000 | $28,000 | $28,000 | $13,000 | $13,000 |
| American Indian or Alaskan Native | 1 | $168,000 | $168,000 | $168,000 | $168,000 | $168,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 159 | $11,397,000 | $71,000 | $285,000 | $57,000 | $222,000 |
| FHA-insured (Federal Housing Administration) | 28 | $3,303,000 | $117,000 | $252,000 | $50,000 | $99,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,088,000 | $136,000 | $215,000 | $48,000 | $98,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $610,000 | $122,000 | $178,000 | $44,000 | $79,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 76 | $3,962,000 | $52,000 | $194,000 | $41,000 | $142,000 |
| Loan Originated | 69 | $7,413,000 | $107,000 | $252,000 | $75,000 | $222,000 |
| Application Approved But Not Accepted | 25 | $1,144,000 | $45,000 | $97,000 | $53,000 | $121,000 |
| Loan Purchased By The Institution | 17 | $2,476,000 | $145,000 | $252,000 | $48,000 | $108,000 |
| Application Withdrawn By Applicant | 9 | $908,000 | $100,000 | $285,000 | $52,000 | $153,000 |
| File Closed For Incompleteness | 4 | $495,000 | $123,000 | $255,000 | $53,000 | $90,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 18 | $761,000 | $42,000 | $108,000 | $44,000 | $110,000 |
| Debt-To-Income Ratio | 18 | $1,123,000 | $62,000 | $194,000 | $38,000 | $96,000 |
| Collateral | 4 | $388,000 | $97,000 | $108,000 | $72,000 | $142,000 |
| Other | 1 | $10,000 | $10,000 | $10,000 | $69,000 | $69,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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